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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,483 | $137,414-82.2% | $189,537-87.1% | $85,847-71.5% |
| Participation rate | 59.7% | 84.6%-24.9pp | 87.8%-28.1pp | 69.3%-9.6pp |
| Annual return | 15.98% | 38.14%-22.2pp | 555.34%-539.4pp | 318.61%-302.6pp |
| Employer contribution / active EE | $0 | $4,344-100.0% | $6,161-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,205 | $6,260-80.8% | $8,220-85.3% | $3,952-69.5% |
| Admin fee / account holder | $2,461 | $8,630-71.5% | $12,048-79.6% | $6,261-60.7% |